The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. Listing data provided by the Toronto Regional Real Estate Board (TRREB). Data is deemed reliable but not guaranteed.
Welcome to 125 Curtis Street! This well-maintained 3-bedroom, 1.5-bath home is centrally located within walking distance of downtown St. Thomas and offers plenty of updates throughout. The main floor features an enclosed front sunroom/porch, separate dining room, comfortable living room, powder room and rear mudroom with access to the back deck. The updated kitchen features new countertops, backsplash, sink (2020) and refaced cupboard doors (2024). Upstairs are three bedrooms, including a spacious primary with a walk-in closet refinished in 2023 and a hidden door providing access to the attic/loft, plus an updated 4-piece bathroom. The spray-foamed attic/loft (2020) was refinished in 2023, offering flexible additional space and storage potential. Other updates include new windows (2020) with transferable lifetime warranty, main-floor flooring (2021, excluding rear mudroom and powder room), toilets in both bathrooms (2020/2023), and knob-and-tube wiring removed in 2020, excluding one line serving the attic switch. The full basement offers laundry, storage and flexible additional space, plus an owned hot water heater (2020). Outside, enjoy a private fenced backyard, rear deck with repaired stairs and new railing (2026), updated front porch with new exterior steps (2026), and a one-car garage with new garage door (2020). Private parking accommodates 2 vehicles in the driveway plus 1 in the garage. Roof shingles were reportedly replaced in 2018, as per the previous owner. Close to downtown, shopping, dining, parks and everyday amenities, this home offers a great combination of character, updates and convenience. Some photos are virtually staged and are noted as such.
Property Details
Listing
MLS® number
X13790664
Status
For Sale
Listed
Sep 16, 2026
Last updated
Sep 16, 2026
Possession
Flexible
Building
Type
Detached
Style
2-Storey
Approx. age
Not provided by brokerage
Approx. size
1,500–2,000 ft²
Basement
Full, Unfinished
Lot
Frontage
34.00 ft
Depth
120.00 ft
Lot area
≈ 4,080 ft² (calculated)
View
North
Community
St. Thomas
Parking & utilities
Garage
Detached, Garage, 1 space
Driveway
Private, 2 spaces
Heating
Forced Air
Cooling
Central Air
Water / sewer
Not provided by brokerage
Taxes
Property tax
$2,015 / 2025
Condo fee
N/A
Source
Data source
TRREB (VOW feed)
Listed by
LPT REALTY
Interior
Level
Room
Size
Features
Loading rooms…
Interior Features
Bedrooms above grade: 3
Kitchens: 1 above grade
Basement: Full, Unfinished
Heating: Forced Air
Cooling: Central Air
Exterior
Pool features: None
Property features: Library, Fenced Yard, Place Of Worship, Rec./Commun.Centre, Park, Other
Demographic data is not available for this area yet.
Population—
Median household income—
Median age—
Age Groups
Age group data is not available.
Owners vs Renters
Ownership data is not available.
Household Type
Household data is not available.
What’s NearbyDistances approximate
No nearby school data is available for this listing.
Transit score information is not available for this listing.
Nearby everyday places are not available for this listing.
Always confirm school catchments with the local school board.
Estimated Rental Income
Rental estimate coming soon
We’re not showing a number until we have a data source we trust. When it’s connected, this section will show:
A monthly rent range from nearby leased homes of the same type and size
The leased comparables behind it (signed-in, VOW-gated)
Gross yield at the current list price
Monthly Cost
A quick estimate to plan with. Taxes come from the listing; change the other inputs to match your situation.
Estimated monthly$1,570/mo
Mortgage (principal + interest)$1,402
Property taxFrom listing: $2,015/yr$168
Minimum $18,745 down for this price; the slider moves in whole percent, starting at 5%. Under 20% adds mortgage default insurance. Confirm with a lender.
Mortgage uses Canadian semi-annual compounding. Houses-Gate doesn’t offer financing.
Estimated Budget
About how much cash you’ll need on closing day, besides the mortgage.
Down payment20% of the list price$74,980
Ontario land transfer taxProvincial brackets, no first-time refund$4,099
Legal fees & disbursementsTypical range $1,800–$2,800$1,800
Home inspectionTypical range $500–$800$600
Title insuranceTypical range $300–$600$400
Cash needed at closingEstimate$81,879
First-time buyers can get up to $4,000 back on Ontario land transfer tax. St. Thomas has no municipal land transfer tax (Toronto does).
Uses Ontario’s land transfer tax brackets and the down payment set in Monthly Cost. Legal, inspection and title-insurance figures are typical ranges, not quotes.
Listing data is provided under copyright by the Toronto Regional Real Estate Board (TRREB). The data is deemed reliable but is not guaranteed to be accurate. The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA.
The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose.
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change, or withdrawal. Neither listing broker(s) nor HousesGate shall be responsible for any typographical errors, misinformation, misprints, and shall be held totally harmless.
